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Kentucky Mortgage Tips: Leverage Non-Taxable Income

Grossing up non-taxable income is not a loophole. It is a standard, guideline-approved underwriting tool that has existed for decades and remains fully valid in 2026. If your income comes from Social Security, disability, or VA benefits, you owe it to yourself to work with someone who understands how to calculate it correctly.

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Waiting Period To Buy A Home After A Foreclosure or Short-Sale?

Kentucky Conventional Loans Foreclosures: 7 years from the foreclosure completion date (some applicants may qualify for a conventional loan only 3 years after with extenuating conditions including wage earner death, illness or job loss) Short Sale/Deed in Lieu-Short Sale: 7 year with less than 10% down of primary residence 4 years with 10% down on the … Continue reading Waiting Period To Buy A Home After A Foreclosure or Short-Sale?